Raleigh, NC Bankruptcy Lawyer for Ch 7 & Ch 13 – $999 – 919-627-7748

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Credit Acronyms & Definitions

Here are some abbreviations. You may find them difficult to remember, so print them out to use later.

CA = Collection Agency

CMRRR = Certified Mail, Return Receipt Requested

CO or (R9) = Charge-Off

CR = Credit Report(s)

CRA = Credit Reporting Agencies – Equifax, Transunion, and Experian

Estoppel Letter  = a written statement of facts to establish outstanding tradelines.

FCBA = (Original Creditor-directed) Fair Credit Billing Act = How debts can be collected.

FACTA = Fair and Accurate Credit Transactions Act and amendment to the FCRA.

FCRA  = (Credit Bureau-directed) Fair Credit Reporting Act = Rules of how debts are recorded

FDCPA = (Collection Agency-directed) Fair Debt Collection Practices Act =  How Debt Collectors can act

ITS = Intent to Sue

OC = Original Creditor

SOL = Statute of Limitations

Tradelines = an item in your credit report

UDF forms = Universal Data Forms = The form used to take off negative credit

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(919) 627-7748


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